After closing with Coherent bank of the offices his investors are compelled to pay to RBC in span the commission for removal of means in ATMs or parts to transfer the deposits to accounts of other banks.
For optimization of expenses Coherent the bank decided to close the offices. It has to save to it 350 million rubles annually, Evgeny Davydovich told bank preboards.
the Last from 20 offices of Coherent bank was closed by p on February 15, and since February 16 the bank entered new tariffs for cash withdrawal and the interbank translations. In particular, according to cards of Coherent bank in ATMs of foreign banks the client has to pay one operation commission of 75 rub for removal of means (it was free earlier; the Coherent bank has now no ATMs). The limit on cash withdrawal was lowered at the beginning of February – from 25 thousand to 15 thousand rubles per day. "Banks, as a rule, limit cash withdrawal in ATMs, it turns out that for a conclusion of the large sum of a contribution it is necessary to make many removals, having paid for each 75 rub", – the investor of Coherent bank Denis Davydov speaks.
from the deposit the investor can transfer Funds through Internet bank, but Coherent the bank and here set a limit: the client can transfer no more than 50 thousand rubles or $2 thousand per day. The translation from the ruble account free, for a transfer of currency the commission of $25 is entered.
"Introduction of tariffs is explained by cost of transfers, on the ruble translations we assume costs, on currency – is not present", – explains change in tariffs the representative of Coherent bank Anton Goltsman. Thus, according to him, the bank can allow clients to make one transfer of currency in a month free of charge – such opportunity is considered. "Also we will reduce spread between purchase and currency sale from 5 rub to about 1,5-2 rub, then clients will be able to convert currency in rubles and to make the free ruble translation", – Goltsman promises.
Interrogated RBC bankers consider by p new tariffs of Coherent bank overestimated: as a rule, the banks which do not have the developed network, can establish tariffs more favorable to clients. Besides, the set limit on an amount of transfer can be regarded as restriction on removal of deposits.
"We have no network therefore there are no expenses on its contents, respectively, all interbank translations and removal of means from debit cards in ATMs of foreign banks are free", – Oliver Hughes notes preboards of Tinkoff of Bank.
according to preboard of Avangard bank of Valery Torkhov, deposits have to come back in time and in full. "If the bank also enters the commission, it should not be connected with contribution return, it is the cost of concrete operation, for example on money transfer from a current account on which money from a contribution with percent, into the account in other bank arrived. In "Vanguard" the size of this commission makes 10 rub", – he adds.
the Analyst of Expert RA agency Marina Musiyets considers that introduction of the additional commissions for cash withdrawal can indirectly speak about problems with liquidity at bank which in such a way tries to stop outflow of deposits. Really, from October 10 to February 1 the bank lost about 40% of deposits (according to the turnover sheet). "We several times reduced a rating to Coherent bank at the end of 2014, now it at level B that speaks about high probability of a default", – Musiyets notes. to
according to Musiyets, from the reporting of bank situation deterioration with liquidity is visible to p: for February 1 the volume of highly liquid assets of bank made less than 3 billion rubles against 11 billion rub in Ђ‹ on the average in 2014. The share of highly liquid assets for February 1 made less than 4% of the total amount of assets whereas in 2014 average value was more than 15%, she speaks.